Ayushman Bharat is a revolutionary healthcare scheme developed and launched by the Government of India in 2018 to provide financial protection against high healthcare costs to vulnerable sectors of society. The scheme, which covers more than ten crore families across the country, aims to provide healthcare benefits to the beneficiaries. This article will discuss the list of diseases covered under the Ayushman Bharat scheme and other crucial information. So, let's dive deep into the article to know more about it.
The Ayushman Bharat scheme is a significant step towards achieving universal healthcare coverage in India and improving the population's health outcomes. Ayushman Bharat scheme, also known as Pradhan Mantri Jan Arogya Yojana (PM-JAY), is a health insurance scheme established by the Government of India in September 2018. The scheme intends to safeguard needy households from excessive healthcare expenditures by offering annual health insurance coverage of up to INR 5 lakh per family.
The scheme covers the cost of hospitalisation, treatment, surgery and other related expenses. The Ayushman Bharat scheme also includes a Health and Wellness Centre (HWC) component, which aims to offer comprehensive primary healthcare services to the people, especially those living in rural areas.
Ayushman Bharat Scheme cover all the secondary and tertiary hospitalisation expenses and aim to provide cashless and paperless access to the beneficiaries. Under the Ayushman Bharat scheme, beneficiaries can avail of various medical facilities such as hospitalisation, daycare procedures, and surgeries. The plan also covers pre-existing conditions and critical illness. Beneficiaries can use these medical services at any empanelled hospitalisation across the country. The scheme also provides coverage for medicines, diagnostics, and transport.
The plan comprises 1393 defined packages, one tentative surgical package, and 24 fields of specialisations. Ayushman Bharat will now include Non-Communicable Diseases (NCDs), Mental Health, ENT, Ophthalmology, Oral Health, Geriatric & Palliative Health Care, and Trauma Care in addition to the existing services for Reproductive and Child Health (RCH), and infectious diseases. The Ayushman Bharat Health and Wellness Centres (AB-HWCs) will also provide free diagnostic and drug services to expand the range of medical tests and treatments available.
The Ayushman Bharat scheme covers various diseases and medical conditions. The scheme provides coverage for various surgical and medical procedures. Individuals and families that qualify for the Ayushman Bharat Yojana can choose from approximately 25 specialities. Including the disease list covered under the Ayushman Bharat Scheme, package information, and cost:
PM-JAY or Pradhan Mantri Jan Arogya Yojana is a flagship scheme of the Government of India. One of the essential aspects of PM-JAY is the critical illness coverage it offers to its beneficiaries. This coverage includes a wide range of critical illnesses that are expensive to treat and can cause significant financial burdens on families. Ayushman Card is a must-have to avail the benefit of the Ayushman Bharat Yojana.
The critical illness coverage under PM-JAY includes medical conditions such as:
These diseases are often associated with high treatment cost and can cause significant financial strains on low-income households. With PM-JAY critical illness coverage, eligible beneficiaries can receive cashless treatment for certain illnesses at any of the empanelled hospitals or healthcare facilities. The scheme has also been extended to cover daycare procedures and surgeries, making it more comprehensive in terms of its coverage.
In addition to the above illness, PMJAY also includes:
It's important to note that this list is not exhaustive, and there may be additional conditions and diseases covered under PM-JAY, depending on the specific guidelines and policies of the scheme. Additionally, the availability of specific treatments and procedures may vary depending on the empanelled hospital or healthcare facility and the specific details of the individual case.
While the Ayushman Bharat scheme covers a wide range of ailments and medical procedures, certain diseases and medical conditions are excluded from the Ayushman Bharat Scheme. Some of these diseases and medical conditions are:
The Ayushman Bharat scheme is a significant step towards providing universal healthcare coverage to the vulnerable sectors of the society. The policy protects against high healthcare expenditures and covers various diseases and medical conditions. While certain diseases and medical conditions are excluded from the scheme's coverage, the beneficiaries can avail of coverage for most surgical and medical procedures. The Ayushman Bharat scheme has the potential to transform the healthcare sector in India and provide access to quality healthcare to the beneficiaries.
Who is eligible for the Ayushman Bharat Scheme?
The Ayushman Bharat Scheme covers all people listed in the SECC (Socio-Economic Caste Census) 2011. The Ayushman Bharat Scheme provides health insurance coverage to households recognised as deprived, vulnerable, and economically weaker. It is directed towards the economically lower parts of society.
What is the coverage amount of the Ayushman Bharat Scheme?
The Ayushman Bharat Scheme covers secondary and tertiary hospitalisation treatment up to Rs. 5 lakhs per family per year. This includes up to three days of pre-hospitalization charges and up to fifteen days of post-hospitalization expenses.
How can one check their eligibility for the Ayushman Bharat Scheme?
To see if you are eligible for the Ayushman Bharat Scheme, enter your mobile numbers and captcha code on the official website. Alternatively, one can check their eligibility at a nearby Common Service Centre (CSC). Or you can call on the toll-free numbers - 14555 or 1800-111-565.
How can one enroll in the Ayushman Bharat Scheme?
Individuals can enlist in the Ayushman Bharat Scheme by visiting the official website, a nearby CSC, or calling the Ayushman Bharat Scheme helpline number - 14555 or 1800-111-565.
How can one avail of the benefits of the Ayushman Bharat Scheme?
To avail of the benefits of the Ayushman Bharat Scheme, one must bring their Ayushman health card or Aadhaar card to the empanelled hospitals. The hospital will then confirm their eligibility and provide the required medical care.
Is it possible for a family to have more than one Ayushman Bharat health card?
No, only one Ayushman Bharat health card is issued per eligible family, and this card can be used to avail of the scheme's benefits across all empanelled hospitals in India.
Are pre-existing conditions covered under the Ayushman Bharat Scheme?
Yes, the Ayushman Bharat Scheme covers pre-existing conditions. However, certain specified conditions may have a waiting period of up to 2 years before they can be covered under the scheme.
What are the inclusions of the Ayushman Bharat Scheme?
The entire cost of hospitalisation, including room and boarding costs, diagnostic costs, medication costs, and doctor's fees, is covered by the Ayushman Bharat Scheme. The scheme also covers 1,393 medical procedures, including surgeries, and provides transport allowances for hospital transfers.
What are the exclusions of the Ayushman Bharat Scheme?
The Ayushman Bharat Scheme does not cover expenses related to outpatient care, dental treatments, and cosmetic surgeries. The scheme also does not cover medical expenses incurred outside India.